Ever since I started "hacking" my way to earn more on my cash, I've since grown accustomed to earning at least a high 1+% to a low 2% with minimal effort on my savings (parked in high-yield bank accounts). However, that era is likely over (for now) as we move into a period of near-zero interest rates. Instead of relying on our bank accounts for higher bonus interest, it is time to explore other alternatives. I did this recent guide on Instagram where I covered some options for you to park your cash savings, ranging from lowest risk to highest, and without needing to invest or subject your funds to stock market volatility.  Bank savings accounts - after the recent cuts, most of you are probably getting below 1% now on your UOB One / OCBC 360 / DBS Multiplier account. 

Fixed deposits - these are paltry at 0.35% to 0.5%...